Debt-Free Today

This is It

Well hello there Financial Warriors.

We're glad you're finally here.

We’re guessing you've navigated to this page because you know what it’s like to owe a large amount of money (without exactly knowing how you're going to pay it all back) but you still have hopes and dreams of being debt free one day (as in TODAY).

With a debt load of almost fifty grand each, we know first hand how demoralizing it is to live out several years​(maybe even most) of your adult life overwhelmed by the worries of debt.

Getting to the point of havingno way to pay back your credit cards usually involves years,likely even decades,of carrying around guilt, shame ​and insecurity,waking up each morning with that gnawing ache in the pit of your stomach.

You're tired of not being able to ​really enjoy life​like you thought you would be by now.

You find yourself consumed by the uncertainty of the future.​​You wonder if cutting through the problems that debt is creating in your life is really even possible.

When the truth had reared its ugly head for us, ​that only meant one thing.

You’ve just come into contact with two sisters who took the ‘go-for-broke’ route.

And we mean literally.

We present to you one supersized story of survival -- ​where living expenses became too difficult for us to manage and things started spiralling out of control.

We were making every effort to stay afloat, and then a disturbing realization hit us --

Almost half of our income was going toward only the MINIMUM credit card payments every month.

Eventually everything became unmanageable.

And then unbearable.

A gradual decrease in income, combined with ever-increasing payments ​were bleeding us dry of any extra penny we made.

With a combined debt approaching $100,000 our reality was spinning out of control.

We found ourselves being pushed under the ​cold and unforgiving current of overwhelming​money problems.

And we had no way out.

The truth is, finances had been creeping in that direction for longer than we'd like to admit.But over the years we had developed the attitude to “keep on holding on”, hoping for the best,​wishing that things would miraculously turn around.

NEWSFLASH: Things DID NOT turn around for Lainey & Jayne.

We were backed into a corner with payment deadlines marching toward us, with creditors’ rifles​locked and loaded.

This self-imposed judgement takes away any real enjoyment you know you should be having in ​your life,but you can’t, ​with those huge​credit card balancesattached to your name.

We had let our debt problem go for so long we ended up feeling numb to it, so when it came to needingto take actionwe felt so confused and overwhelmed.

We didn't understand the details about bankruptcy, before being suffocated once again by yet ​another statement in the mail ​or ​collection agency phone call.

We found virtually no information to answer our specific questions (we weren't yet ready to humiliate ourselves by having to go through telling a complete stranger in some debt office all of our money problems), ​and we had literally zero time to prepare, forcing us to make a decision that we knew would impact us forever.

The ripple effect was one huge underlying feeling of defeat -- a downward spiral of diminishing self-worth. ​It felt like our financial death.

Social Proof

When we first started looking into the most drastic and feared financial restructuring method that exists on the planet, we spent hour after hour searching online for answers to help us in the midst of our financial turmoil.

What we discovered was at least a little reassuring -- that rough financial times can be a reality for virtually anyone, even for many people who appear to "have it all".

People from all walks of life and economic status fall and have fallen upon hard times -- famous actors, rock royalty, business moguls, sports stars.

If you looked it up you’d see names that may surprise you.

The list goes on and on of famous people who had to pull the plug on creditors. ​

This definitely helped us feel a little better at least to find out that finances can be a major problem, even for those with vast fortunes.

It's one thing to go bankrupt.But at least not everyone in the world would have to know about it. ​

Inquiring Minds

In our endless search for answers, we knew it was people's personal stories that could have really helped us back then.

At least then we might have had some idea what bankruptcy would be like.

If we could have just had a glimpse inside other people’s personal experiences, it would have at least given us a little peace of mind -- the insight we were desperate for as we prepared to enter the bleak, lonely, and terrifyingly-unfamiliar territory of bankruptcy.

We were desperate to find anyone we could, to learn about what they had gone through.

Feeling unstable and isolated, our heads were spinning from the back-and-forth insanity of being locked in decision-making hell, constantly worrying, trying to decide if we should really do it. The repeated question was always: ​Will it really be worth it to wipe our financial slate clean and be done with it all?

Anyone in a money mess similar to ours can identify with what we were feeling –

...A constant spine-to-skull chill of anxiety, and one huge tangled ball of emotional devastation sitting in the pit of our stomachs every hour of every day.

We were so ashamed.

All we kept thinking was that this was all that our lives had amounted to,​the sound of the dripping faucets constantly symbolizing our minute-by-minute despair.

Had we allowed ourselves to get too swept away with our misery and fear, ​juicy plump tears were ready to burst out at any given moment, waiting for their chance to drown us in an ocean of sadness.

Believe it or not it was a gruelling nearly two year period oftrying to find the best sources of bankruptcy information,trying to make a decisionwith seemingly no end to the nightmare of falling deeper and deeper into unconscionable debt.

If not, we’ll assume you’re game for finding out more below about why we created this resource, and how it could just be your answer in becoming debt-free yourself.

​The saga continues below...

Urgent Questions

We have to say one of the most stressful parts of going through bankruptcy was the"not knowing" what to expect ​if we actually went through with it. The most pressing questions we constantly worried about, were:

Do we lose everything?Our house…?Our car…? All our furniture…?

How long do we have to be in bankruptcy?

Do we really need to hand over all our credit cards?

How bad does our credit rating really get if we go bankrupt?

Is all our freedom taken away? Do we need toreport all of your purchases to the "authorities"?(whoever 'the authorities' are...)

Would our name really get published in the newspaper if we went bankrupt?

​How hard does life get?​What is it really like to go bankrupt? What would we do if we lost the house?

Does bankruptcy mean we have to start our whole lives all over again?

It was only after our extensive researching and cross-referencing online that we could find only general information.

​We had specific questions and needed specific answers.

As we kept plugging away looking for answers on the internet, it was disturbing to discover that the information we were finding didn't always seem accurate.

Just when we thought we had something figured out ​we would find something that contradicted it.

The No Good Bad & The Downright Ugly

We agonized over what we were going to do for almost two years, trying to decide on the direction we would take to solve our huge debt problem once and for all.

One day we would say, “Ok, we are doing this,” ​and the next, we’d talk ourselves right out of it again.

​We were constantly consumed by how brutal it would be.We tried to stay as focused as we could on the hope that things would get better.​We faked our way through the social gatherings -- the parties, the barbeques, the weekends out -- pretending we could keep up with the spending; the very habits that were ruining us.

We kept finding ways to ignore that black cloud that had been looming over our heads for way too long –

...Yes the one outlined in that ever-so-popular unmistakable shade of “Bookkeeper’s Death Red”,an all too familiar result of being lured into buying that beautiful, gleaming, irresistible “pay-later” ​African mahogany ensemble that society tells us we need before we host that next dinner party.

We were filled with self-doubt. We felt so degraded.

The only thing that made us feel better was to see people driving aroundin their classy cars with cracked windshields ​and unrepaired dents ​-- a sign to us maybe we weren't the only ones carrying around high debt.

Financial Arena

Now just so we’re Swarovskicrystal clear here, we must tell you that deciding to jump on theBankruptcy Bandwagon has a way of making you feel like you’ve just raised your hand to voluntarily walk onto the set of a 3D feature-length, vivid-spectra, XpanD, 3D, HD, sci-fi master dramatization of the Hollywood thriller (part of the highly-publicized “Theme Box Set”) Extended Director's Cut Blockbuster Bomb called​“Loo-hoo-zure -- The Farewell Chronicles”

(yes, you read that right: “LOSER”)

... Where other pathetic, monetarily-inept and defeated down-and-outers are lined up for miles to get fitted for a neon-coloured straight-jacket-space-suit-jump-suit combo with helmet, boots and gloves (complete with velvet leopard trim festive vest, thrown in for a limited-time offer of only a thousand dollars)...

... to then sit around and wait for their name to be called for "open mike" night, spotlight-studded cameras turned straight on them to give their account, in the boring, gajillion-hour documentary, on two specific points:

#1: How it feels to be the newest member of the population who’s been caught floating around in the newest rage on the market, the “Oblivion Bubble” (reserved for those who seemingly can’t fucking control their impulses to spend money they have no way of paying back) plus...#2: What their old age plan for retirement could realistically be at this point, now that they’re entering middle age with not one red cent or shiny dime of savings to speak of.

Dukin’ it Out

We have to take a minute here to identify that herein lies the battle. On one hand, going bankrupt would mean the debt would​be gone.

​For good.

​After all, the whole purpose of bankruptcy in the first place is to give people a fresh start.

But on the other, it’s an invitation straight back to Destitution Desert.

Following the humiliating act of signing-on-the-dotted-line,​you’re left to agonize about what it’s going to be like to have to live through the shame and disbelief of b a n k r u p t c y actually happening to you ​in your lifetime. ​

And then throw in the added pressure of knowing you have to go through the six whole years that follow with even more destroyed credit than you started with.

All of this combined with being in a constant state of suffering due to the intense uncertainty you have ​about how others (especially the banks) will regardYOUR NAME once it’s all over. ​

A Trap . . . Or a Blessing in Disguise?

We had a choice.

We could either continue to believe what we were about to do was a shameful ‘cop out’ from our obligation to pay back everything we owed...

... Or we could find a way to dig deep and somehow regard our decision as a new opportunity – one that might even hold future possibilities for us that wouldn’t otherwise be there with the amount of debt we had been carrying.

Trying our hardest not to get consumed by the ​painful reality ​we were living, ​was where we needed to keep our thoughts.

Get Excited: The Other Side

To experience freedom is to renew your ability of living life to the fullest.

With bankruptcy now behind us we're relieved to say it's now part of our past and that we've moved on.

We are free from that huge binding debt. We can breath now.​

Our hope is that, with access to our story you can accelerate the decisions you need to makeabout your debt, increasing your chances of clearing it up for good and moving on with your life.

We're here to support those seeking answers before things get too out of control.

We want to share with others that we know exactly what it’s like to go from feeling trapped ​in solitary confinement to finally living again.

There really is a life without debt waiting for you out there.​ ​We bring you the door,with the light, at the end of the tunnel.

~ It takes courage to take the steps to face your finances, and begin strengthening your future ~